Discover reason code CD
Discover CD: Credit/Debit Posted Incorrectly
What the cardholder is claiming
The cardholder says a transaction posted the wrong direction: they were charged when they should have been credited, or a refund was processed as a sale.
The evidence that actually wins
Bank analysts skim responses in minutes against a checklist for this exact code. Lead with the strongest fact; never make them dig.
- ✓Transaction records showing the posting was correct as a sale: order, fulfillment record, and receipt
- ✓The refund record with its acquirer reference number, showing the credit was processed correctly and actually posted
- ✓Batch and settlement records showing no reversal or double-posting error on your side
- ✓Proof you already corrected the error and credited the account
The honest read
This is a bookkeeping code, so audit your own records before drafting anything. If a refund really was keyed as a sale, accept the chargeback or fix it with an immediate credit, because there is nothing to argue. It is worth contesting when the posting was correct and the cardholder is misreading their statement, which genuinely happens. Fast, boring, factual documentation wins here; narrative does not.
Nobody can promise you a win; the cardholder's bank decides. What you control is submitting the strongest complete case your records support, on time. Our plain-language guarantees say exactly what that means.
Fighting a CD right now?
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